Mikrofinanzwesen und Mikroversicherungen -Bookswagon
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Mikrofinanzwesen und Mikroversicherungen

Mikrofinanzwesen und Mikroversicherungen


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About the Book

Examensarbeit aus dem Jahr 2007 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Humboldt-Universität zu Berlin (Versicherungs- und Risikomanagement), Sprache: Deutsch, Abstract: Die Arbeit folgt der Intention, einen Beitrag zur Armutsbekämpfung in der Dritten Welt zu leisten. Die Idee zu dieser Untersuchung war die Suche nach einer ökonomischen Lösung, die einen nachhaltigen Ausweg aus der Armutsfalle ermöglicht. Und diese Nachhaltigkeit ist nur erreichbar, wenn von Armut Betroffene die Möglichkeit erhalten, auf eigenen Füßen zu stehen und Zugang zu einem Finanzsystem erhalten, welches den Regeln des Marktes folgt. Es wurde von einer Idee C. K. Prahalads (2006) ausgegangen: Am Fuß der Wohlstandspyramide (BOP) lebt eine große Zahl potenzieller Unternehmer und Konsumenten. Es existieren hier Märkte, die bisher nicht erschlossen wurden, weil die Bedingungen dieser Märkte nicht identifiziert worden sind. Es könne niemand behaupten, dass Menschen in Entwicklungsländern keinen Bedarf an Hygieneartikeln hätten. Es geht darum, Produkte an Märkte anzupassen, nicht umgekehrt. Das gilt auch - so die Idee dieser Arbeit - für den Finanz- und Versicherungssektor. Untersucht wurde das Land Bangladesch, weil es 1) eines der ärmsten Länder der Erde ist und 2) in diesem Land das Mikrokreditsystem "Grameen" des Nobelpreisträgers Muhammad Yunus seinen Ursprung hat. Zunächst wird der Begriff Armut für das Mikroversicherungswesen operationalisiert. Die spezifische Risikosituation sowie Möglichkeiten der Versicherbarkeit Armer werden analysiert und aktuelle Produktentwicklungen vorgestellt. Im 3. Kapitel wird das Land Bangladesch hinsichtlich seiner Marktbedingungen für Mikroversicherungsprodukte betrachtet und im 4. Kapitel die Funktionsweise des Systems der Grameen Bank eingehend untersucht. Schnittstellen von Mikrobank- und Mikroversichereraktivitäten werden im 5. Kapitel analysiert. Es wird hinterfragt, welche Versicherungen in Mikrokrediten enthalten sein und welche Gren


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Product Details
  • ISBN-13: 9783640310494
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Weight: 272 gr
  • ISBN-10: 3640310497
  • Publisher Date: 08 May 2009
  • Height: 297 mm
  • No of Pages: 84
  • Series Title: German
  • Sub Title: Was können Versicherer von Mikrobanken lernen?
  • Width: 210 mm


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